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Youth Banking & Education

Teach your child healthy habits of money management with this lesson. Money is a tool that they can use to SAVE, SPEND AND SHARE with others.


Select a goal and save for it.

  • See how the price of the item varies at different stores
  • Determine the amount of the item
  • Show how much it will take each week (or month) to save for the item

The reward will be when they can see how they saved to purchase their item


Create a personal budget with the 50/20/30 rule.

  • 50% spent on needs
  • 30% on wants
  • 20% spent on savings
  • Help them track how much money they spend in a week (or month)
  • Write down every penny, they may be surprised how much they spend


This is an important financial principle to teach how money is meant to be shared.

  • Make a list of people or organizations they think may be helped by a donation
  • If your child gets stuck, look up a website that shares a list of organizations who serve others
  • You can be as specific as animals, the environment, community development etc.
  • Help your child find a cause they like so they can contribute a portion of their money to help others

Don't forget to mention the value of a persons time and effort. Donating their time to help others is a great value too!

For additional lessons for older children, visit our High School & Beyond page where you will find a savings calculator and budget creator activity.

Financial planning doesn’t suddenly begin when you move out on your own. It starts when you’re young, perhaps still in diapers.

It’s learning about money and how to save it. It’s knowing when to borrow, and how to do so wisely. It’s learning how to make money work for you, so you don’t have to work for money.

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Local: 607-561-7328, 607-432-1451

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